Money is still one of the most taboo topics in the workplace—but it’s time to change that.

Financial stress is not just a personal issue. It’s a workplace issue. When employees are under financial pressure, it doesn’t stay at home. It comes to work with them—in their heads, in their hearts, and in their performance.

The Impact of Financial Stress at Work

In both New Zealand and Australia, financial stress is on the rise.
In New Zealand, over 55% of people worry about money on a daily or weekly basis, according to the Financial Services Council. Many say this stress impacts their relationships, mental health, and overall sense of wellbeing.

In Australia, the AMP Financial Wellness report revealed that 1 in 3 employees are financially stressed, with nearly half of those employees admitting it affects their ability to do their job. It’s a silent productivity killer.

The consequences for businesses are significant:

• Presenteeism – employees show up but are mentally distracted

• Absenteeism – stress leads to physical and emotional exhaustion

• Turnover – financially stressed staff are more likely to leave for higher-paying roles

• Burnout – the chronic stress can spiral into long-term mental health challenges

Why Employees Stay Silent

Despite the severity, most employees don’t speak up. Why? Because money is still a loaded, uncomfortable topic—especially in professional environments.

Employees may fear:

• Being judged or misunderstood

• Appearing financially irresponsible

• Losing credibility or promotional opportunities

As a result, they stay quiet—and the stress compounds.

What Leaders Can Do

Leadership plays a crucial role in breaking the silence. When managers and executives model openness, empathy, and practical support, they create a psychologically safe space where team members feel empowered to seek help.

Here are a few simple ways to start:

• Normalise financial conversations – integrate financial wellness into your wellbeing strategy

• Offer tools and support – partner with financial advisors or services your team can trust

• Train your managers – help leaders identify signs of financial stress and respond with empathy

• Create pathways – ensure employees know where and how to access support

Building Financially Resilient Workplaces

Workplaces in Australia and New Zealand are beginning to recognise that financial wellbeing is just as critical as physical and mental wellbeing. It’s not just about budgeting tips—it’s about creating an environment where people feel safe, supported, and empowered to take control of their financial futures.

By breaking the silence, we help people step into solutions.

And that’s a win for everyone—employees, leaders, and the business itself.